Internet of Insurance logo

 

Austin, TX
September 26-27, 2017

Download the complete event brochure below:

Internet of Insurance Agenda

Day One: Embracing Digital Transformation

September 26, 2017

6:45 – 7:30am IoB Mixr: Meet in the hotel lobby for a social hike by the Colorado River.
8:00 – 8:40am Registration & Welcome Breakfast
8:40 – 8:45am Internet of Business Opening Remarks and Icebreaker Game
8:45 – 8:55am Chairperson’s Opening Remarks
 

How Insurance Businesses Are Becoming More Cost-Efficient Through IoT

8:55 – 9:25am KEYNOTE PANEL: Adapting Insurance Business Models to the IoT Reality

The traditional insurance business model is changing as insurance products transform from commodities to experiences (from products to services). It is essential for 21st-Century insurance carriers to understand how to place premium users at the center of their business models, utilizing IoT-enabled technologies such as auto telematics and wearables to personalize insurance product offerings and create added value.

  • Becoming more consumer-centric: How are leading insurance companies implementing data analytics to put premium users at the center of its business?
  • Loss mitigation: What is the real impact of IoT in reducing claims costs?
  • Risk assessment: How is next-generation data transforming our understanding of risk, moving from being reactive to being proactive?
  • Navigating disruption: What are the key stages and organizational strategies in a leading insurance carrier’s path through digital transformation?

Panelists:

Mariel Devesa, Head of Innovation, Farmers Insurance

Paul Smith, COO, Journey

Jon-Michael Kowall, AVP of P&C Property Product Development and Innovation, USAA

Vishwa Kolla, AVP, Head of Advanced Analytics, John Hancock

Jonathan Charak, AVP and Actuary – Business Insights, Zurich North America

9:25 – 9:50am Monetizing IoT-enabled Data from Minute 0: Streamlining Efficiency Gains

  • How data analytics will make you more competitive as an insurance business
  • Identifying key areas for cost-reduction that can benefit from implementing an IoT strategy
  • How does becoming more customer-centric through data analytics translate into revenue generation maximization?

This session is reserved for sponsorship. For further information please email [email protected]

9:50 -10:20am Enabling Greater Customer Adoption for Digital Insurance Products

  • Overcoming barriers to adoption: Understanding what are the main adoption barriers for digital insurance products
  • The Big Brothers Syndrome: Addressing privacy concerns amongst potential UBI premium users
  • Added value: Identifying key added value gains within digital insurance innovations
  • Adoption drivers: Determining what is driving adoption among UBI and digital insurance premium users
  • Behavioral analytics: Implementing behavioral analytics to understand customer needs better

Ted Stuckey, Head of Global Innovation Lab, QBE

10:20-10:40am Insuring in Real Time: Adopting IoT to Revolutionize the Insurance Business Model and Adapt to the Sharing Economy

  • Understanding the Sharing Economy: How insurance is being transformed my shifting consumer trends
  • How an innovative auto insurance startup is developing an on-demand product to insure in real time based on driving performance
  • Adapting the insurance business model to IoT: Driving digital innovation

Paul Smith, COO, Journey

10:40 -11:20am Networking & Refreshments Morning Break
10:45 -11:15am One-to-One Business Meetings

Network with leading tech innovators that will address your current strategic and operational priorities in these  pre-arranged and mutually agreed meetings.

This is a valuable platform to gain perspective on how the latest IoT and telematics innovations can help you overcome challenges specific to your organization, helping you make informed decisions on your IoT strategy.

   Bound to Disrupt Insurance: Entering the Age of the Sharing Economy
11:20 -12:20pm ROUNDTABLE DISCUSSION: Insuring the Sharing Economy

Despite the apparent success of major industry disruptors such as Uber and Airbnb, it is key to understand whether the sharing economy has really struck a chord with American consumers. Insurance carriers need to understand what are the potential scenarios and development stages of the sharing economy at a macro level and where do the largest potential market opportunities lie.

This Roundtable Discussion session will give attendees the opportunity to share their thoughts on how the marketplace is evolving into consumer trends driven by the sharing economy phenomenon, helping insurance carriers highlight key growth and transformation objectives that will help them capitalize on this paradigm shift. Choose one of our three working groups led by manufacturers to discuss advances within your business and brainstorm challenges. Spend 40 minutes with your group leader to work through the questions left in a golden envelope on your table, before sharing with the full audience the conclusions your group has come to.

Group A: Spotting the trend: What are the clearest signs of a paradigm shift in how consumers behave in the auto and homeowner spaces?

Group B: Anticipating transformational change: How are innovative insurers transforming their premiums to capitalize on the sharing economy?

Group C: Underwriting sharing economy services: Discussing case studies such as Airbnb’s million-dollar homeowner insurance underwritten by Lloyds or Intact’s master policy for Uber in Canada

Moderated by:

Robert Bauer, MD Commercial Strategy & Innovation, AIG

Brad Rutta, VP Strategic Partnerships & Innovation, Berkshire Hathaway Travel Protection

 12:20 – 12:45pm Developing On-Demand Insurance Products to Tap into New Market Segments

  • From niche to mainstream: What are the main drivers for a wider adoption of digital insurance?
  • Key target groups: Identifying key variables (age, income, geolocation) impacting which consumer types are adopting UBI at higher rates
  • Incentivization: Evaluating incentives to maximize consumer adoption for telematics, wearables and other IoT-enabled insurance products
  • Market expansion: Streamlining a long-term strategy to grow digital insurance market shares and expand into new regions
  • Strategic Partnerships: Identifying key data and distribution partners

Neil Sands, Global Head of Partnerships, Trov Insurance

12:45-1:15pm A 100% Interoperable IoT Protocol: Understanding How Z-Wave’s Intelligent Mesh Network Provides Thorough, Dependable Smart Home Coverage

This session will be presented by a senior representative from Z-Wave.

 1:10 – 2:25pm  Networking Lunch
 1:25 – 2:25pm One-to-One Business Meetings

Network with leading tech innovators that will address your current strategic and operational priorities in these pre-arranged and mutually agreed meetings.

This is a valuable platform to gain perspective on how the latest IoT and telematics innovations can help you overcome challenges specific to your organization, helping you make informed decisions on your IoT strategy.

 

AUTO TELEMATICS 

Private and Commercial Auto Insurance: Leading IoT Implementation

ARTIFICIAL INTELLIGENCE

Machine Learning and Cognitive Computing Are Here to Stay

2:25 – 2:50pm Case Study: Analyzing Vehicle Telematics Data to Mitigate Claims Fraud

  • Calculating average cost reductions derived from overcoming claims fraud to determine the ROI of implementing a telematics program in private auto lines
  • Identifying key information derived from driving and vehicle data sets that will shed light on claims: What is the data telling you?
  • Assessing geolocation, accelerometer, velocity variations, direction and breaking data to increase transparency in the event of an accident

Luke Harris, Director of Claims, Metromile

Chris Jarvis, Special Investigations Lead, Metromile

Case Study: Can Artificial Intelligence Augment Customer Experience While Preserving the Human Touch?

  • Defining key customer-centric applications
  • Natural Language Processing: Exploring text mining, conversation modeling, and context triaging
  • Automating Claims: Opportunities to expedite and simplify claim intake
  • Human Touch: Creating a seamless and adaptive experience at a customer’s time of need

Gillian Julius, Project Manager for Innovation, Erie Insurance

Adam Bondi, Software Engineer, Erie Insurance

Rhonda Longo, User Experience Analyst, Erie Insurance

2:50 – 3:15pm How Data Analytics Is Revolutionizing Underwriting and Premium Pricing:

  • Reducing underwriting fraud and losses by implementing data analytics
  • Correlating UBI data with traditional data sets to place new users in premiums more accurately: Are you really insuring the right risk at the right price?
  • Implementing cognitive computing to improve underwriting processes
  • Understanding how more personalized underwriting and premium pricing will lead to bigger market shares

Gina Minick, Product Management, Arity

Implementing Robot Process Automation to Ease New Business and Underwriting Processes for Insurance

  • Examining how RPA quickly and automatically gathers and processes precise data related to applicants from internal and external sites
  • Calculating the cost reduction derived from implementing RPA throughout the entire underwriting process
  • Assessing how much new business underwriting capacity can be freed up by adopting RPA technologies

Bill Galusha, Senior Product Marketing Manager, Kofax

 3:15 – 3:50pm PANEL: Reducing Claims Processing Times and Costs Through Telematics Data

  • How quickly we can an insurer take notice of an accident by analyzing claims cycle times (UBI vs. traditional premiums)?
  • How speedily an insurance carrier can confirm available coverage options in the event of an accident by implementing telematics?
  • What are the key benefits of deploying innovative strategies for damage assessment and appraisal such as images and videos shared in real time by premium users?
  • How can online claim reports help insurance carriers get crucial accident information quicker, providing better customer experiences?

Moderated by: Nino Tarantino, CEO, Octo Telematics North America

Panelists: Luke Harris, Director of Claims, Metromile

Identifying Key Machine Learning and Cognitive Computing Applications Across the Insurance Spectrum

  • What are the key efficiency gains of applying machine learning to insurance business operations
  • What are the real AI implementation opportunities that show the most promise for cost reduction?
  • How can computing analyze and contextualize real-time data?
  • Calculating the ROI of cognitive computing: What is the payback of automation?

This session is reserved for sponsorship. For further information please email [email protected]

 

 

 

 3:50 – 4:20pm  Networking & Refreshments Afternoon Break
 4:00 – 4:20pm  One-to-One Business Meetings

Network with leading tech innovators that will address your current strategic and operational priorities in these pre-arranged and mutually agreed meetings.

This is a valuable platform to gain perspective on how the latest IoT and telematics innovations can help you overcome challenges specific to your organization, helping you make informed decisions on your IoT strategy.

SMART HOMES AND COMMERCIAL PROPERTY INTEROPERABILITY AND STANDARDIZATION
4:20 – 4:55pm Smart Homes and Commercial Property

PANEL DISCUSSION: How Insurers Are Leveraging IoT-Enabled Sensors to Reduce Claims, Improve Loss Ratios and Mitigate Risk in Residential and Smart Commercial Property Premiums

  • Smart water leaks: Gauging the extent to which smart water leaks are contributing to claims reduction
  • Smart smoke alarms: Correlating smart smoke alarm implementation with risk mitigation
  • Deploying smart meter systems to avoid claims fraud in commercial property

Moderated by: Matteo Carbone, Founder, Connected Insurance Observatory

Panelists:

Craig Copland, SVP Digital Catalyst (IoT Lead), Swiss Re

Rick McCathron, Head of Insurance, Hippo

Ensuring Ease of Integration: Adapting Legacy Systems to IoT

  • Making the most of legacy system data: How to ensure ease of integration and interoperability between old and new data systems
  • Determining which key legacy system areas need to be upgraded to process vast amounts of real-time IoT-enabled data at the lowest possible cost
  • Comparing the cost vs. effectiveness of in-house vs. outsourced cloud data storage systems
  • Scalability and bandwidth: Upgrading network capabilities for real-time data aggregation and processing at minimum costs

Adam Waldron, CIO, Farm Bureau Insurance of Idaho

 

 

4:55 – 5:20pm Smart Homes

How Digital Sensor Technologies and Data Analytics Are Impacting Fire & Water Claims Costs and Loss Ratios Whilst Revolutionizing Underwriting

  • Underwriting residential property: Understanding how data analytics is enhancing accuracy and customer engagement
  • Smart water leak detection systems: Comparing claims data to understand to which extent are smart water leak detection systems mitigating risk
  • Smart smoke alarms: Analyzing claims data to determine the impact of smart smoke alarms in reducing fire risk
  • Demonstrating the business case: Comparing cost structures for homeowner premiums with smart homes technologies vs. standard ones

Sean Harper, CEO, Kin Insurance

Developing Key Strategies to Ensure Maximum Interoperability Across the IoT Ecosystem

  • Examining how to ensure maximum IoT interoperability at minimum costs
  • Reviewing key IoT standards to determine which option can guarantee maximum interoperability
  • Device interoperability: Ensuring interoperability to maximize customer experience

This is session is reserved for sponsorship. For further information please email [email protected]

 

 

5:20 – 5:55pm PANEL: A Bird’s Eye View: Utilizing Drones and Sensor Innovations to Evaluate Property Damage

  • How can drone-level imagery help insurers evaluate property materials and condition more accurately and cost-effectively?
  • How can translating drone imagery into a 3D model make it possible to assess damage through AI?
  • How can drone technology speed up property claims?
  • What are is the cost vs. benefits of applying drone technology in property insurance?
  • How can drone technology help P&C insurers assess risk more accurately?

Moderated by Charles Mondello, President, Property Drone Consortium

PANEL: Which IoT Standards and Protocols Should Insurance Carriers Invest in?

This panel discussion will be led by senior IT executives from insurance companies and tech innovators focusing on comparing the cost vs. effectiveness and interoperability for leading IoT protocols such as ZigBee, Z-Wave or Bluetooth Low Energy.

Moderated by: Carly Burnham, Founder, Insnerds.com

Adam Waldron, CIO, Farm Bureau Insurance of Idaho

 

 

5:55pm  Close of Day One followed by the IoB Mixr Night

Join us for a social evening of barbecue, fun and continued networking

Day Two: Maximizing Revenue Generation

September 27, 2017

8:00 – 8:50am Registration & Welcome Breakfast
8:50 – 9:00am Chairperson’s Opening Remarks

Scott Bradley, Founder & CEO, Trym Insurance

9:00 – 9:25am Personalizing Insurance Products Through Digitalization

How Can IoT Enable Personalization?

Insurance carriers are transforming the way they understand and price risk by applying IoT-supported data-tracking technologies that are enabling a more accurate assessment of risk for each premium user, contributing to the personalization of insurance.

The key is to gauge risk better, which allows insurers to adjust pricing and ultimately be more competitive in an ever-evolving market.

  • How can applying UBI data to actuarial models can help insurers price the right risk at the right price?
  • Which data sets are key in a progressive pricing structure?
  • What are the underlying costs of transitioning into UBI pricing and how to mitigate them?
  • How do insurance companies offset revenue losses derived from price reductions?

Robert Bauer, Managing Director Commercial Strategy & Innovation, AIG

9:25 – 9:50am The Next Phase in UBI: Aggregating and Analyzing Real-Time Data

  • Real-time data monetization: What is the real business advantage of gaining access to real-time data?
  • What are the necessary steps to aggregate and visualize real-time data?
  • Bandwidth scalability: Identifying essential platform and connectivity upgrade requirements to achieve real-time data processing and analysis
  • Understanding how to implement real-time data analytics to price premiums proactively

This session is reserved for a data analytics provider – For further information on this session please email [email protected]

9:50 – 10:00am SPOTLIGHT SESSION: SMART CARGO INSURANCE

How a Leading Cargo Insurer is Developing a Sensor Ecosystem to Minimize Cargo Risk

  • Justifying the business case: Calculating the ROI of deploying sensor ecosystems and data analytics
  • Risk mitigation: Evaluating how asset tracking can contribute to minimize risk for cargo operations
  • From pilot to product: Setting a roadmap for wide commercial adoption of smart cargo insurance strategies
  • Transferable lessons: Which benefits of cargo asset tracking can be applied to other insurance product lines?

Phil Edmunson, CEO, Corvus Insurance

10:00 -10:40pm Networking & Refreshments Morning Break
  One-to-One Business Meetings

Network with leading tech innovators that will address your current strategic and operational priorities in these pre-arranged and mutually agreed meetings.

This is a valuable platform to gain perspective on how the latest IoT and telematics innovations can help you overcome challenges specific to your organization, helping you make informed decisions on your IoT strategy.

10:40 -11:40am IoT Applications for Product Development

ROUND TABLE DISCUSSION: Transforming Insurance Products Through IoT, Transitioning from Risk Protection to Risk Prevention

Choose one of our three working groups led by manufacturers to discuss advances within your business and brainstorm challenges. Spend 40 minutes with your group leader to work through the questions left in a golden envelope on your table, before sharing with the full audience the conclusions your group has come to.

Group A: The Path from Product to Service: How is IoT enabling a transformation of the traditional insurance value proposal?

Group B: Minimizing Risk in Real Time: How can innovative insurance product offerings be used to achieve proactive ways of managing risk in real time?

Group C: From Protection to Prevention: How can data sharing be used to create a culture of prevention and safety among UBI and digital insurance premium users?

Moderated by: Scott Bradley, Founder & CEO, Trym Insurance

Tracy Spadola, VP Industry Relations, IDMA

11:40 -12:05pm Life Product Development, Insurance and IoT; Reaching New Altitudes or Failure to Launch?

Case study looking at how Austin-based National Western Life’s newest life product

  • The Spark of Creation
  • Integrating Underwriting Analytics
  • Assembling Vendor Components
  • Establishing and Managing Distribution

Paul Garofoli, VP Marketing, National Western Life Insurance

12:05 -12:45pm IoT Innovation Den: Startup Technology Brainstorm

Be inspired by a series of startup elevator pitches that will keep you at the forefront of IoT innovations impacting insurance. These inspirational presentations will be evaluated by VC firms specialized in insurtech investments.

VC Judges

Manish Agarwal, General Partner, AXA Strategic Ventures

John Popolizio, CSO, Riverdale Group

Start ups

Roel Peeters, CEO & Founder, Roost

Bernhard Limberger, Director of Operations, Tourmaline Labs 

OhIoT

12:45 – 1:05pm Reflecting on the Lessons Learnt in the Most Mature Connected Insurance Market

  • Auto: What is the real impact of telematics on claims reduction and loss ratios
  • Smart Homes: How are insurers minimizing homeowners risks by deploying sensor ecosystems: What is the specific impact on claims
  • Life: How can wearables and biometrics monitoring reduce health risks: Early market findings

Matteo Carbone, Founder Director, Connected Insurance Observatory

 1:05 – 2:10pm  Networking Lunch
 1:25 – 2:10pm  One-to-One Business MeetingsNetwork with leading tech innovators that will address your current strategic and operational priorities in these pre-arranged and mutually agreed meetings.

This is a valuable platform to gain perspective on how the latest IoT and telematics innovations can help you overcome challenges specific to your organization, helping you make informed decisions on your IoT strategy.

 

HOW WEARABLES ARE TRANSFORMING LIFE INSURANCE AND WORKERS’ COMPENSATION

CYBERSECURITY
2.10 – 2.35pm How IoT Is Revolutionizing the Life Insurance Business Model

  • How John Hancock is building its life insurance business model around IoT
  • Enhancing customer experience by developing constant engagement with premium users through IoT
  • Understanding how IoT adoption is helping John Hancock minimize health risks
  • Demonstrating the business case:

Comparing the added costs of wearable technology and data analytics vs. losses in fraudulent claims

Vishwa Kolla, AVP, Head of Advanced Analytics, John Hancock

Identifying Key Cyber Risks and Liability in an Age of Constant Data Flows

  • Exploring potential cyber risk scenarios to gauge the impact of data breaches on insurance processes and operations
  • Understanding cyber liability: Is it personal or product?
  • Quantifying the cost of a data breach to justify the investment in cybersecurity solutions

John Popolizio, CSO, Riverdale Group (currently servicing Blue Cross Blue Shield)

 

 

2.35 – 3.00pm How IoT Can Transform Workers’ Compensation: Deploying Wearables, Beacons, Sensors and VR to Mitigate Risk and Reduce Claim Losses in the Workplace

  • Prevention over treatment: Encouraging safer practices in the workplace through VR
  • Incentivization: Identifying key strategies in enhancing workers’ engagement with biometrics-tracking technology
  • Measuring the impact: Quantifying how IoT-enabled wearables can mitigate risks in the workplace
  • Beacons: Exploring beacons as a means of accident prevention in the workplace
  • Monitoring Driving Behavior: Deploying telematics to decrease fleet risks

Woody Hill, VP Safety Services, Texas Mutual

Evaluating Key Cybersecurity Strategies to Protect IoT-Enabled Data

  • Assessing how cybersecurity can contribute to mitigate consumers’ concerns about data privacy
  • Examining the cost vs. effectiveness of cybersecurity protocols
  • Determining the cost of IoT-enabled data breaches within an insurance carrier to justify cybersecurity costs

This session is reserved for sponsorship – For further information please email [email protected]

 

 

 

3.00 – 3.40pm PANEL: Life Insurance and Workers’ Comp: Implementing IoT-Enabled Wearable Technology and Smart Clothing to Reduce Fraudulent Claims and Improve Risk Prevention

  • Risk profiling: How can wearables and sensors help insurers profile risk more accurately in real time?
  • Proving financial returns: What is the business case for connected lifestyles and workplaces?
  • Underwriting: How data analytics are impacting life insurance underwriting
  • Bluetooth Sensors: How can Bluetooth sensors warn workers of workplace risks in real time and reduce claims?
  • VR Technology: Implementing VR demos to train workers on risk-aversion practices and help them understand workplace risks better

Moderated by:

Hugh Terry, Founder, The Digital Insurer

Derek Kueker, VP and Actuary, Data Solutions, RGA

PANEL: Utilizing IoT to Develop Cyber Risk Insurance Products

  • What are the main cyber risk variables and how should insurers infer the underwriting of cyber risk premiums?
  • What is the real market potential and feasibility of cyber risk insurance products?
  • Who is liable in the event of a cyberattack or data breach?

Moderated by:

Albert Betts, Executive Director, Insurance Council of Texas

Garrett Koehn, President Northwestern Crump Offices and Western Regional Director, CRC Insurance

 

 

 

 

 

3.40 – 3.50pm Networking & Refreshments Afternoon Break
3.50 – 4.10pm One-to-One Business Meetings

Network with leading tech innovators that will address your current strategic and operational priorities in these pre-arranged and mutually agreed meetings.

This is a valuable platform to gain perspective on how the latest IoT and telematics innovations can help you overcome challenges specific to your organization, helping you make informed decisions on your IoT strategy.

 

INSURING AUTONOMOUS VEHICLES

BLOCKCHAIN APPLICATIONS FOR INSURANCE
4:10 – 4:35pm Examining Liability in Autonomous Vehicles: How Does Personal Liability Become Product Liability?

As driverless technologies develop, liability is transferring from drivers to products. It is essential to understand how this process will unfold and what are the implications for auto insurance carriers.

  • Determining how liability changes from personal to product
  • Understanding when and how ADAS functions can be turned off
  • Examining the implications of ADAS systems on liability
  • Ascertaining how liability dynamics will impact underwriting and premium pricing

Jonathan Charak, AVP and Actuary – Business Insights, Zurich North America

Implementing Blockchain Applications to Detect Fraud and Prevent Risk

  • Utilizing blockchain’s ability to provide a public ledger across multiple untrusted parties to eliminate errors and detect fraudulent activity
  • Deploying a decentralized digital repository to independently verify the authenticity of customers, policies and claims

 

This session is reserved for sponsorship – For further information please email [email protected]

 

 

 4:35 – 5:00pm  Commercial Driverless Vehicles: How Digital Innovation Is Minimizing Risk and Enhancing Client Engagement

  • Understanding how IoT is revolutionizing customer experience for commercial auto premium drivers
  • Assessing how telematics are impacting commercial auto premium pricing
  • Evaluating methods to leverage fleet data to develop scores for commercial auto driver
  • Insuring Autonomous Fleets: Understanding the business case

Christopher Lee, CEO, Albus Insurance

 Claims handling: Deploying smart contracts to provide more transparency to premium users and enhance perceived fairness of tariffs and claims

  • Combining blockchain solutions with data from mobile devices, sensor data and satellite imagery to accelerate claims payments
  • Utilizing blockchain technologies to secure personal data by implementing customer-controlled identity verification

Alan D. Cohn, Adjunct Professor, Georgetown University & Of Counsel, Blockchain Alliance, Steptoe & Johnson

 

 5:00 – 5:30pm How Will Autonomous Driving and ADAS Impact Claims Severity and Frequency?

  • Estimating expected timelines for the development of driverless technologies
  • Understanding the behavioral factors that will influence the expected rates of adoption for driverless cars
  • Examining the potential impact of communicating vehicles
  • Calculating the potential cost for driverless vehicles claims
  • Understanding which types of claims are likely to increase and which likely to decrease as vehicles become increasingly automated
  • Examining how ADAS technologies are impacting Risk and Claims today through evaluation of early data on autonomous vehicles currently in use.

James Kuhr, Research Associate, Center for Transportation Research – University of Texas at Austin

PANEL DISCUSSION: Underwriting automation: Implementing smart contracts to automate underwriting and actuarial processesIn this panel discussion, leading IT executives from insurance carriers and tech providers will discuss the opportunities blockchain technology holds to automate actuarial processes, achieving lower error margins and reduced costs in the underwriting process.

Moderated by:

Gwenn Bezard, Partner, Aite

Panelists:

Alan D. Cohn, Adjunct Professor, Georgetown University & Of Counsel, Blockchain Alliance, Steptoe & Johnson

 

 

 

 

5:30pm Chairperson’s Closing Remarks and End of Conference